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    We’ve made it simple to refinance. 

    Enjoy a fast and convenient refinancing process. 

    Hassle free refinancing

    Experience a fast and convenient refinancing process with our seamless application. Our home lending specialists handle the heavy lifting, ensuring a smooth journey for you. 

    Get in touch with a specialist

    On your schedule

    Whether online or with the guidance of a home lending specialist. Experience a fast and convenient process with our seamless application—available when it suits you, day or night. 

    Get in touch with a specialist

    Refinance and get a loan that gives you flexibility and control

    • Free up cashflow

      Our new 10-year interest-only loans give you the power to maximise your investment choices, while you grow your wealth through property.

    • Improve your borrowing capacity

      Boost your borrowing power with up to 80% of your rental and bonus income considered in our assessment process.  

    • Reduce interest over the life of your loan

      Enjoy the freedom of up to 10 offset deposit accounts, you will only pay interest on the remaining portion of your loan.  

    Refinance to a fully featured home loan with a great rate 

    Refinance online*

    Refinance now with a bank that moves with you, through-out your wealth-building property journey.

    Owner occupied loans

    • Variable rates from (I)

      % P.A

    • Comparison rate (II)

      % P.A

    Variable interest (I & 2) and comparison rates (II & 3) for owner-occupied Professional Package home loan, $1,000,000 and above, LVR ≤60%, with principal and interest repayments.

    Interest Only (IO) repayments available for up to 10 years.

    Terms & conditions

    See all owner occupied rates
    Investment loans

    • Variable rates from (I)

      % P.A

    • Comparison rate (II)

      % P.A

    Variable interest (I& 1) and comparison rates (I & 3) for owner-occupied Professional Package home loan, $1,000,000 and above, LVR ≤60% with principal and interest repayments.

    Interest Only (IO) repayments available for up to 10 years.

    Terms & conditions

    See all investment rates

    Why refinance with AMP Bank

    Get more out of your home loan when you refinance with us.

    Get in touch with a specialist

    Flexible loan options

    Competitive rates and tailored features

    Quick decisions

    Apply now and receive unconditional approval within an hour*

    Expert support

    Local specialists support you for the life of your loan

    Here’s what you can expect 

    AMP Bank are experts in helping people refinance. Our local team of home loan experts are here to guide you every step of the way, so you can move forward with confidence. Ready?   

    You’ll need to:  

    • Be 18 years or older and an Australian permanent resident    
    • Apply as an individual or a married/de facto couple   
    • Earn a PAYG salary, or be self-employed and trading for at least 2 years as a Sole Trader, Partnership or Company.

    You’ll need to get details about your:   

    • Property such as the address, estimated valuation etc
    • Financial records, like bank details, income and expenses
    • Identification, such as a passport, drivers licence etc.

    You can start your application online, at anytime, even if you don’t have all your documents ready. Our process makes it easy to save and come back later to add or change any information.   

       

    We won’t run a credit check until after you submit your application.  

       

    And if you get stuck or have any questions, our home loan specialists are ready to guide you through the entire process.   

       

    Schedule a chat and get started now.  

    Once you submit your application, our credit team typically takes 1-2 business days to assess it.   

       

    If you’re approved, we’ll send you a digital loan contract, which you can sign it digitally – no messing around with printing, paperwork or in-person visits.  

    Get adaptable, personalised service with our home loan specialists

    An AMP Bank home loan specialist is here for you at every stage of your journey to growing wealth through property. They’ll help you: 

    • Set up the right home loan
    • Talk through the best rates, products and features for your goals
    • Guide you through the application process
    • Be your dedicated expert support throughout the life of your loan

    Enquire today

    Let's discuss your loans option.

    Get in touch

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    Last name *

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    Privacy Policy

    The information you provide is being collected by AMP Bank Limited ABN 15 081 596 009 (AMP Bank) in order to respond to your enquiry. If you don't provide the information requested, AMP Bank may not be able to respond to your query. Your personal information may be shared with business areas or companies within the AMP Group. We may also provide information to local and overseas entities which provide AMP with administrative, financial, research or other services, other insurers and credit providers, financial planners, brokers and other organisations authorised by AMP to assist in reviewing customer needs. We may also disclose personal information to courts, tribunals and dispute resolution bodies, government agencies, and other bodies we are required to provide information to under the law. A list of countries where these providers are likely to be located can be accessed via the AMP Privacy Policy.

    The AMP Privacy Policy provides more information about how we manage and protect the personal information we hold about individuals. It sets out how you can access and correct the information that AMP holds about you, how you may complain about a breach of privacy and our process for resolving privacy related enquiries and complaints.

    Let's get started

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    Important
information

    The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517.

    It’s important to consider your circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account. Information including interest rates is subject to change without notice.

    Any application is subject to AMP Bank’s approval. Terms and conditions apply and are available at amp.com.au/bankterms or 13 30 30. Fees and charges may be payable. Full details are available in the Fees and charges guide.

    This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.

    AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice. 

    A target market determination for these products is available on our TMD page.

    Footnotes

    1 Investment Professional Package variable rate loan, $1,000,000 and above, LVR ≤60%, P&I repayments. Rate is for new loans only and is subject to change.
    2 Owner Occupied Professional Package variable rate loan, $1,000,000 and above, LVR ≤60%, P&I repayments. Other rates apply for investment property loans. Rate is for new loans only and are subject to change.
    3 The comparison rate is calculated for a secured loan for an amount of $150,000 over a 25 year term. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
    * Global Retail Banking Innovation Awards 2023 – The Digital Banker.
    ** In many cases a conditional approval will be provided immediately after submission. The time to receive a full unconditional approval will vary. Where only identification is required, an immediate response to our SMS to complete this could result in an unconditional approval within an hour. Unconditional approval could take longer if we need to seek clarifications from you, or if we need to undertake an inspection of your property. The speed of response is also dependant on the time a second applicant takes to confirm their application details, and for all applicants to complete the biometric ID check. Most metro postcodes and many regional postcodes are eligible. Ineligible postcodes are likely in remote or higher risk areas. You will be told early in the application form if your postcode is ineligible. 
    *** The option for a construction loan or pre-approved lending limit to borrow against equity are not available through our online application process. If you're looking to access these options, speak to one of our Home Loan Specialists today